USDA Vs. FHA Pro and Con comparison in Council-Bluffs, Pottawattamie County, IA
In 2025, the USDA loan limit in Council-Bluffs, within Pottawattamie county, IA, is $285,000. Conversely, for a single-family home, the FHA limit stands at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, while determining your income, credit, reserves, and the documents required to qualify. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans to assist in selecting the most appropriate program for your financial needs in .
Loan Maximums and Down Payment Requirements in Council-Bluffs, Pottawattamie County, IA for 2025
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Alternatives in Council-Bluffs, IA
Lendersa® aims to provide you with the optimal USDA or FHA loan quickly and efficiently. Begin with one of three methods that result in matching lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, is also known as a USDA rural development loan. This mortgage is only available in rural areas and does not require a down payment, unlike FHA loans which demand a minimum of 3.5% down payment.
We were built on the "People Helping People" philosophy and that remains true today. Our mission is to provide quality services to meet the financial needs of our members. We are committed to serving our members' needs both today and in the future. Jersey Shore Federal Credit Union is a member-owned, not-for-profit financial cooperative.
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763 Saratoga Road, Suite 4, Burnt Hills, NY, 12027
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